About this scheme
Karnataka State Women's Development Corporation Udyogini Scheme provides subsidised loans up to Rs. 1 lakh for women starting micro-enterprises. Subsidy 30-50% of loan amount; balance financed by partner banks at concessional rates.
What you get
- Loan up to Rs. 1 lakh
- Subsidy 30% (general) / 50% (SC/ST/widow/PwD)
- Balance financed at concessional rate by KSWDC partner banks
- 5-year repayment
- No collateral required
- Training in business management included
Who qualifies
Women in Karnataka aged 18-55 with annual family income up to Rs. 1.5 lakh (general) / Rs. 2 lakh (SC/ST). Pursuing any of 88 approved business activities (kirana, beauty parlour, tailoring, dairy, etc.).
All industries qualify (no NIC restriction).
Business types
Proprietorships
States
KA
How to apply
- 1Apply via KSWDC district office
- 2Submit Aadhaar + income certificate + project plan
- 3KSWDC verification + selection
- 4Bank loan sanction + subsidy disbursal
- 5Quarterly progress review
Key terms and conditions
- Subsidy is back-end (credited to loan account)
- 5-year operational continuity required
- Annual income reverification
What disqualifies you
- Outside KA ineligible
- Family income above ceilings excluded
- Listed 88 activities only — other businesses ineligible
Documents typically required
- Caste certificate (where applicable)
- Aadhaar
- Income proof
- Project plan
The content above is compiled from public information published by the scheme authority. Eligibility, benefits, and procedures are subject to change. Confirm details directly with the official portal before applying. BharatSeal does not process scheme applications.